What are the FIRE categories and their spending levels?

LeanFIRE: under $40,000/year (requires ~$1M). Regular FIRE: $40,000-100,000/year ($1M-$2.5M). FatFIRE: over $100,000/year ($2.5M+). ChubbyFIRE: $75,000-100,000/year. CoastFIRE: enough invested to reach target by traditional retirement age without further saving. BaristaFIRE: partial coverage from work.

What is the CoastFIRE number at age 35?

CoastFIRE number = FIRE number / (1 + r)^n. Example: FIRE target $2M at 65, 35-year-old earning 7% real returns needs $2M / (1.07)^30 = approximately $263,000 already invested. Once reached, no further investing needed.

Is FatFIRE achievable for most people?

FatFIRE typically requires a $2.5-4M+ portfolio, usually requiring high income ($150K+) and high savings rate over 15-25 years, or significant asset appreciation. Most FatFIRE practitioners had high-income careers in technology, medicine, law, or finance.

FIRE Type Comparison: Lean, Regular, Fat, Coast, Barista Calculator

Calculate and compare FIRE numbers for different retirement styles. LeanFIRE (<$40K/year), RegularFIRE, FatFIRE (>$100K/year), CoastFIRE (let it grow), and BaristaFIRE (part-time income). Savings required, timeline, and asset allocation.

Principal ($)

Annual Rate (%)

Years

Compounding / Year

$ Finance Disclaimer: These calculators are for educational and illustrative purposes only. Results do not constitute financial advice. Consult a licensed financial advisor before making investment or borrowing decisions.

How to Use

Enter the values for the scenario you are assessing. Calculate and compare FIRE numbers for different retirement styles. LeanFIRE (<$40K/year), RegularFIRE, FatFIRE (>$100K/year), CoastFIRE (let it grow), and BaristaFIRE (part-time income). Savings required, timeline, and asset allocation. Use the fire type comparison result to inform your calculation.

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FIRE Type Comparison: Lean, Regular, Fat, Coast, Barista Calculator

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Frequently Asked Questions

What are the FIRE categories and their spending levels?

What is the CoastFIRE number at age 35?

Is FatFIRE achievable for most people?